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What are the average mortgage closing costs in your state?

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The table below lists states alphabetically with their average closing costs. Check your state for a detailed summary of average fees. Your final charges probably will be higher than shown here because the most highly variable costs are not included: title insurance, title search, taxes, other government fees, escrow fees and discount points.

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Bankrate requested good faith estimates for a $200,000 mortgage loan from up to 10 lenders in a large city in each state, plus Washington, D.C. The hypothetical loan was for a purchase of a single-family house, using a 20% down payment, with excellent credit.

Average closing costs by state
StateOrigination fees3rd-party feesTotal
    
Average$1,058$1,070$2,128
Alabama$1,062$1,127$2,189
Alaska$1,048$1,209$2,257
Arizona$1,063$1,009$2,071
Arkansas$1,005$958$1,963
California$1,144$1,113$2,257
Colorado$1,057$933$1,990
Connecticut$1,066$1,248$2,313
Delaware$1,047$1,311$2,358
District of Columbia$1,183$1,030$2,213
Florida$1,123$1,057$2,180
Georgia$1,155$1,148$2,303
Hawaii$1,207$1,448$2,655
Idaho$1,053$1,055$2,108
Illinois$1,080$1,000$2,079
Indiana$1,065$992$2,057
Iowa$1,013$1,094$2,107
Kansas$1,002$970$1,972
Kentucky$932$942$1,874
Louisiana$1,034$1,130$2,164
Maine$1,064$1,121$2,185
Maryland$1,180$1,049$2,229
Massachusetts$1,056$1,216$2,273
Michigan$1,049$989$2,038
Minnesota$1,033$997$2,030
Mississippi$1,132$1,043$2,175
Missouri$1,000$926$1,926
Montana$1,016$1,026$2,042
Nebraska$1,009$960$1,969
Nevada$943$1,051$1,994
New Hampshire$1,046$1,013$2,059
New Jersey$937$1,231$2,168
New Mexico$1,078$1,153$2,231
New York$1,103$1,458$2,560
North Carolina$1,142$1,267$2,409
North Dakota$994$1,114$2,108
Ohio$1,045$994$2,039
Oklahoma$985$926$1,911
Oregon$1,091$1,065$2,156
Pennsylvania$1,057$780$1,837
Rhode Island$1,069$1,007$2,076
South Carolina$1,134$1,187$2,322
South Dakota$1,019$886$1,904
Tennessee$1,108$959$2,068
Texas$1,032$1,143$2,175
Utah$1,082$885$1,967
Vermont$1,075$1,103$2,178
Virginia$1,069$1,067$2,136
Washington$1,059$1,175$2,234
West Virginia$1,017$1,153$2,171
Wisconsin$1,010$853$1,863
Wyoming$982$1,007$1,989

Bankrate.com surveyed up to 10 lenders in each state in June 2016 and obtained online Loan Estimates for a $200,000 mortgage to buy a single-family home with a 20% down payment in a prominent city. Costs include fees charged by lenders, as well as 3rd-party fees for services such as appraisals and credit reports. The survey excludes title insurance, title search, taxes, property insurance, association fees, interest and other prepaid items.

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